Dr. Robert Kelly:

My understanding of the rent to buy scheme is essentially that the rent accumulates into being a deposit down payment. It may address some of the issues and is another way of thinking about some of the 100% loan-to-value loans we put there. In terms of how we provide support, it is an option set and it depends on what we want to achieve. For people who are paying high rents at the moment and struggling to accumulate a deposit, it would definitely help in that regard. In essence, it ultimately comes down to the same thing. If we do not address the supply side, regardless of how we accumulate them, these households are going to struggle-----